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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,487 | $85,515-39.8% | $112,040-54.0% | $67,986-24.3% |
| Participation rate | 50.3% | 68.2%-17.9pp | 76.5%-26.2pp | 57.2%-6.9pp |
| Annual return | 330.59% | 29.68%+300.9pp | 24.52%+306.1pp | 31.67%+298.9pp |
| Employer contribution / active EE | $1,427 | $2,191-34.9% | $2,954-51.7% | $2,019-29.3% |
| Participant deferral / active EE | $2,779 | $4,014-30.8% | $5,098-45.5% | $3,358-17.2% |
| Admin fee / account holder | $1,475 | $3,774-60.9% | $12,098-87.8% | $3,203-53.9% |